re: PPO vs HSA high deductible

Another little known attribute of HSAs is that you can reimburse yourself from it with no time limits.

Let's say you incur moderate health expenses but you decide to pay out of pocket because the market is low right now and your HSA is heavily in securities.

You can come back years down the road (as long as you have the documentation of expenses) and pull the money out when it's more adventagous.